| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.37% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVE S FL 4 ISELIN, NJ 088302716 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 5.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 899 CASSATT RD STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.49% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.38% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $956 | $4K | 10.53% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $475 | — | $475 | 1.37% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $279 | — | $279 | 1.51% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $207 | — | $207 | 1.53% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FL ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45 | — | $45 | 1.37% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $899K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $113K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 123 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47 | $19K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.